Colonel Jacobs on the civil war debate

I've never quite thought of the civil war vs. insurgency debate in the way that Colonel Jack Jacobs does:

For now, here are the thoughts of retired Army Col. Jack Jacobs, who analyzes military issues for MSNBC. He called "The Daily Nightly" to offer his reaction to the remarks. And when one of just 116 living Congressional Medal of Honor recipients offers his insights, we listen.

Iraq in civil war
The president's response was not enlightening. Militarily, either it is either an insurgency or a civil war. The administration doesn't want to call it an insurgency because it doesn't want to commit the resources to fight it in the time-proven way. And if it's not a civil war, what is it?